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INDONESIA
Jurnal Keuangan dan Perbankan
Published by Universitas Merdeka Malang
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 15 Documents
 1   2 
Search results for , issue "Vol 21, No 4 (2017): October 2017" : 15 Documents clear
Organizational Citizenship Behavior of Islamic Banks through Meaning in Life and Meaning of Work Heru Sulistyo
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (121.812 KB) | DOI: 10.26905/jkdp.v21i4.1407

Abstract

Islamic banking had a market share that is still low if compared with conventional banks, so it has a big challenge to improve performance and competitive advantage. Employees who were willing to have extra work for their organization will lead to the improvement of their performance and their organization. Several studies have examined multiple factors that affect organizational citizenship behavior (OCB), but it was still slightly stressing on the importance of psychological aspects of meaning in life and the meaning of work. The purpose of this study was to examine the importance of meaning in life and the meaning of work factors in improving OCB in the organization. The sample in this study was employees of the Islamic banks in Central Java, amounted to 100 people. The data collections were conducted using questionnaires and in-depth interviews. Meanwhile, to analyze the data, the structural equation model with a Partial least squares software was used. The results of data analysis showed that meaning in life had a significant effect on satisfaction and organizational citizenship behavior. Meaning of work also had a significant effect on satisfaction and organizational citizenship behavior. An employee’s job satisfaction significantly affects the improvement of organizational citizenship behavior.DOI: https://doi.org/10.26905/jkdp.v21i4.1407
The Global Economic Crisis and Its Impact on Bank Lending in Indonesia Rizky Yudaruddin
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v21i4.1513

Abstract

This study examined the impact of the crisis on bank lending in Indonesia. The crisis was also interacted with profitability and liquidity to see the impact of profitability and liquidity during the global economic crisis on bank lending in Indonesia. This study involves bank-specific as a control variable and macroeconomic variables. Using panel data, I constructed a panel of 1,372 bank-year observations for 98 banks in Indonesia in the period 2002-2015. The empirical results showed that the profitability proxied from Return On Asset affected bank lending negatively, but this effect was relatively insigniûcant. The study also found a positive and significant impact between liquidity and bank lending in Indonesia. Meanwhile, the only GDP which had a significant impact on lending with a positive sign.DOI: https://doi.org/10.26905/jkdp.v21i4.1513
Analysis of Indonesia Business Cycle through Composite Leading Indicator Data Processing for Banking Industry Riwi Sumantyo; Annisa Wahyuningsih
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.683 KB) | DOI: 10.26905/jkdp.v21i4.1553

Abstract

This study aimed to analyze the business cycle of Indonesia through data processing CLI (Composite Leading Indicator) and to obtain an investment leading indicator which a composite of several indicators. This study used the OECD method and used time series data, i.e. quarterly data from 2001-2013. The result of the analysis of this study was the formed CLI was well functioned (significant), although the correlation coefficient both not overlapped (low). Because the IDX Composite movement was more volatile than GDP movement. However, the formed CLI was capable in following the cyclical movement of the reference series (significant). The result of hypotheses in this study was assumed that there were some variables that met the category as a leading indicator in GDP reference series that were: CPI, exchange rate, property credit, and housing loan. While the variables in the reference series IDX composite namely: import capital, Pi_paper, export manufacture, export agriculture, housing loan, and property credit. In this study, especially for the government and central bank (Bank of Indonesia), they should be able to work together in making policies that pay attention to the economic variables classified in leading indicators. DOI: https://doi.org/10.26905/jkdp.v21i4.1553
Determinants of the Credit Quality Decision on Retail Consumer Suwinto Johan
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (183.372 KB) | DOI: 10.26905/jkdp.v21i4.1581

Abstract

The aim of this study was to study the retail customers’ 4C (character, capacity, collateral, and capital) that affected credit quality on finance companies. This study focused on the financing of used motorcycles from 2013-2014 with the position of balance of the book per December 2015. This study used an artificial intelligence concept with the scoring system. The dependent variable was the customer credit quality that was overdue 90 days, and the independent variables were a character, capacity, collateral, and capital of the customers. This study took samples of 67,500 customers using a logistic regression test model. The empirical results showed that 4C had a significant effect on credit quality. There were 12 out of 13 variables that showed significant influence namely sex, age, length of stay, home ownership, marital status, employment status, cost ratio, motor guarantee brand, ownership status, down payment, and tenor. This significance was tested with a 5 percent confidence level. Income did not have a significant effect.DOI: https://doi.org/10.26905/jkdp.v21i4.1581
Predicting Employee Performance by Leadership, Job Promotion, and Job Environmental in Banking Industry Febrina, Sindy Cahya
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (186.308 KB) | DOI: 10.26905/jkdp.v21i4.1630

Abstract

This study aimed to analyze the effect of leadership, job promotion and job environmental simultaneously or partially had the effect on employee performance in Bank UMKM East Java Malang Branch and to analyze the variable that dominant influenced from leadership, job promotion, and job environmental employee performance. The population of this research was all 32 employees Bank UMKM branch Malang. The technique of sampling by saturated sampling, the technique through determined all population members as a sample, so the numbers of the sample in this research were 32 employees. Data collection by questioners, then the data, were analyzed by SPSS programs through multiple linear regressions analyzed. The result of the research indicated that leadership variable, job promotion and job environmental simultaneously had a significant effect on bank employee performance. Leadership variable, job promotion and job environmental partially had had a significant effect on bank employee performance and job promotion had a dominant effect on bank employee performance.DOI: https://doi.org/10.26905/jkdp.v21i4.1630 

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